Coverage

Foodborne Illness Liability Insurance for Hibachi Caterers

The most overlooked exposure for hibachi and teppanyaki caterers is foodborne illness. When a guest becomes sick after an event—undercooked chicken, cross-contamination from raw seafood, or an allergic reaction—you can face costly products and completed operations claims. Products and foodborne illness liability coverage closes that gap and pays defense costs even for allegations that turn out to be unfounded.

What's Covered

Products and completed operations coverage for food served
Foodborne illness and food-poisoning liability
Third-party bodily injury from contaminated or undercooked food
Allergic-reaction and cross-contamination claim coverage
Defense costs within or outside policy limits
Coverage for multi-guest outbreak claims from a single event
Retroactive coverage available for prior events
Available as standalone policy or GL endorsement

Common Claims

→Multiple guests fall ill after eating undercooked chicken or seafood
→Cross-contamination between raw proteins sickens a guest
→A guest suffers an allergic reaction to an undisclosed ingredient
→Health-department action follows a reported food-poisoning incident

Typical Limits

$500K to $2M per occurrence; $1M to $5M aggregate

Get a Quote for Foodborne Illness Liability

Our specialists will review your operation and put together a policy that fits your specific exposure—within one business day.

Request Free Quote

Other Coverages

General Liability

Protect your business from third-party guest bodily injury and property damage claims arising from your open-flame hibachi and teppanyaki catering events.

Workers Compensation

Cover your chefs and catering staff for on-the-job injuries with workers comp designed for the burns, knife cuts, and slips of live hibachi cooking.

Commercial Auto

Protect your catering van and the mobile equipment inside it—grills, cooktops, and prep gear—with commercial auto coverage built for mobile hibachi operations.